Q. When's the best time to plant an oak tree?

A. Twenty years ago.

Okay, so without a DeLorean with a flux capacitor, what can you do?

One day, you will retire. You'll want to. So, how much does "old" you need? That's our job. To figure out how much you'll need and when. Then, encourage you to be good to yourself. Old you. 

So what's stopping you? 


Pensions have had a lot of bad press over the years. But not all pensions are alike. Today, with a Retirement Account, you are in charge of your money. And it comes with FSCS protection too.

But a retirement plan is exactly that. Not just a pension. Property, ISAs, OEICs, etc. can all generate income when you stop working.

We can help you devise a plan that's right for you. 


Many owners say that their business sale is their retirement plan. But what if the world is a different place when you get there? Perhaps you've done such a good job, your customers think you are the business. We help business owners extract profits tax-efficiently along the way, so there is no pressure to sell your business just to afford to retire. 


One of the nice things about reaching retirement age these days is: you can still keep your hand in. You don't have to stop work completely. With our Retirement Account, you can turn income down a bit or off completely for a while if you still want to work. Your pot has a chance to grow a bit more and you can stay in the basic rate of income tax band. That should keep you young at heart. 

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested


Your home / property may be repossessed if you do not keep up repayments on your mortgage

Some buy-to-let mortgages are not regulated by the Financial Conduct Authority

Peter Holt Limited is an appointed representative of Openwork Limited, which is authorised and regulated by the

Financial Conduct Authority. Peter Holt Limited is registered in England. Registered Number 03761378

Registered office: Ground Floor, St. Michael's House, 1 George Yard. London. EC3V 9DF

©2021 Peter Holt Limited